The scheme is gilt-edged where worry-free motoring is concerned, no doubt. But its worth noting that new cars already have comprehensive warranties, often include breakdown recovery (at least for a year) and its not costly to subscribe to the RAC or AA even if you have to. Maintenance service packs for 3 years are available for a fee so the only other biggie is insurance. Here, you are in more shaky territory and I haven’t a simple solution.
Its OK on the other side of the fence, not as daunting as some fear. I know because I’m lucky enough to have had a private second car for the missus/ weekend fun for over 2 decades. yes, you have to be proactive, be willing to seek out the best and most competitive suppliers, but I don’t mind. Some dealers have their own ‘just add fuel’ schemes- ALMOST worry free competition for Motability, but not quite. I totally understand not everyone will or can consider options outside the scheme.
If there is a vehicle on the scheme you can live with, Motability has the worry-free concept sewn up.